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  • Preferential access to the business lounge “Aspire” at Sofia airport and with favourable prices at Vienna airport
  • Exclusive proposals with Programme Visa Luxury Hotel Collection and special premium offers for your private and business trips.
  • Guarantee for bookings of car rental, airline tickets, hotels, as well as purchases of various goods and services on the Internet.
  • Free insurance "Assistance in travelling and accident"
  • Secure payments on the Internet You get a card with automatic subscription for the service
  • Automatic participation in PLUS Programme You collect and spend points in any card purchase in our partner network Programme.
Learn more


Features and Fees

Visa Gold credit card gives you the convenience, flexibility and security wherever you use it.

With it you have a higher transaction and credit limits and additional benefits.

As a holder of Visa Gold card you can take advantage of the special offers of Premium programme Visa Luxury Hotel Collection of Visa Europe - a selection of exclusive benefits and discounts in chain hotels, as well as suggestions for cruises and exotic trips, that will make your travels more pleasant.

Minimum net monthly income


1000 BGN

Credit limit


From 5000 BGN up to 60,000 BGN




Time limit for issuing


5 working days for standard

within 48 hours for express orders

Credit limit validity


2 years

Interest rate


1.60 % monthly calculated on the basis of the utilized but not repaid part of the credit limit

Annual expense ratio


*Example: 25.64% with a repayment term of 12 months, an annual fee of 50 EUR (99.79 BGN), utilized credit limit of 5000 BGN, a monthly payment of 3 % (150 BGN) of the amount of disbursed limit, monthly interest rate 1.60 % and total due amount at end of period 5644.36 BGN.

Card validity


4 years

Annual fee


50 EUR

Minimum repayment amount


3% of the approved credit limit

Grace period


Up to 45 days for purchases at POS terminal

Due date


From 1st to 15th of the month




Discounts and boutique offers

  • Advantages and discounts with programme Visa Luxury Hotel Collection of Visa Europe

  • Special premium offers from Visa for your private and business trips

Additional card


Yes, according to the tariff



Chip and magnetic stripe

Preferential and special programmes

  • Free Insurance

  • Automatic and free of charge activated service Secure payments on the Internet

  • Programme PLUS

Liabilities repayment

  • Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
  • Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
  • Installments at ATM - with cash deposit  to a credit card account
  • At cashier in the bank branch to a credit card account

24/7 customer service center


In emergency situations or when you need to check your card balance

Statements and notifications

  • Free of charge monthly statement of account via e-mail
  • Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards

Card activation

The card activation process is now much faster and easier. Once you have your bank card, you can activate it yourself by changing your original PIN at UniCredit Bulbank’s ATM or all other ATMs with the logo of BORICA AD*.


*Activation of a card and change of PIN code is possible only at ATMs in Bulgaria!

Application of the Card

  • Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 100 in merchant outlets in the country marked with the contactless payment symbol.
  • Booking and rental services - cars or airline tickets and hotels
  • Payment of products and services offered in merchant outlets at POS terminal in the country and abroad
  • Collection points and payments with points at  merchant outlets involved in PLUS Programme; Cash withdrawals at ATM and POS terminal in any bank branch
  • Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the system (the transaction can be executed after a registration at an ATM)
  • Payment of bills and services from an ATM in Bulgaria through the B-Pay system
  • Account balance, PIN change and information on the last five transactions only at ATMs in Bulgaria
  • In case of contactless payments abroad the payment amount below which PIN is not required is different and is determined by the Bank which services the terminal and by the international card organisations (ICO). For example, in Europe the average payment limit below which no PIN is required is EUR 50.

How to Apply

Required documents and terms

  • Minimum net monthly income BGN 1,000
  • Client’s ID card
  • Income other than employment relationship or without income transfer to bank account evidence
  • Foreigners should a resident permit for Bulgaria
  • Application form for credit card when visiting UniCredit Bulbank branches

Apply for your Visa Gold


Fill in the online form and our consultant will contact you.


In branch of the bank

Apply for the card in any bank branch.

Through the online and mobile banking

Bulbank Online
Bulbank Mobile

Digitize your card now!

Forget about your overfilled pockets and bags!

It's easy to pay with your phone by adding your card to Apple Wallet or Digital Wallet for Android.


Security tips

Take care of your financial security by following a few simple rules when using your card.

Additional Card Services

Other credit card offers